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Learn about the people, housing, costs and businesses in El Centro
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in El Centro.
True all-in cost — P&I, taxes, insurance & utilities for homes in El Centro.
Find and compare lenders active near El Centro.
FEMA flood zones and flood insurance estimates for El Centro.
Seismic risk and earthquake insurance estimates for El Centro.
Wildfire exposure and insurance estimates for El Centro.
Mortgage rates for El Centro are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for El CentroThe median home value in El Centro is $297k. The median monthly rent is $1,186. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in El Centro have increased 19.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,184/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $51k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in El Centro is $65k/year.
Calculate your buying powerThe largest employment sectors in El Centro are public administration (24%) and agriculture and mining (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.